Apparently, America's wealth class views hard work as the primary reason for their affluence and are in no big rush to retire, with half of all wealthy Americans surveyed having "no plans" to cash in their chips in the next 10 years.

"Most investors have similar attitudes towards how they built their wealth, crediting hard work, education and frugality," says George H. Walper Jr., president of Spectrem Group.

A majority of the affluent class also believe unemployed people should take lesser jobs, invest in themselves through job training or education and either work part-time and look for work part-time or look for work like it was a full-time job.

Meanwhile, more lower-income workers want to retire in the next 10 years, but don't have the money to pull it off.

A big concern among the affluent is they don't seem to trust the economy, at least in the short term. No matter how much cash they have saved up for their long-term future, it just isn't enough in their minds.

That's why so many wealthy Americans hold their wealth in low-risk vehicles such as checking accounts, certificates of deposit and savings accounts, Spectrem reports.

America's wealth class also seems to be having too much fun to retire, and are much more likely to share their sentiments about work and life through social media sites such as Twitter and LinkedIn ( LNKD), Spectrem says. They're especially using social media tools to track their money, make investment decisions and share opinions about the economy. Middle-and lower-income Americans are much less likely to use Twitter or LinkedIn to do so.